INS CD-ALLERGENIC SUPPLEMENTS

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104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
SB4182

Introduced 3/24/2026, by Sen. Darby A. Hills

SYNOPSIS AS INTRODUCED:

5 ILCS 375/6.11
55 ILCS 5/5-1069.3
65 ILCS 5/10-4-2.3
105 ILCS 5/10-22.3f
215 ILCS 5/356z.88 new
215 ILCS 125/5-3

from Ch. 111 1/2, par. 1411.2
215 ILCS 165/10

from Ch. 32, par. 604
305 ILCS 5/5-16.8

Amends the Illinois Insurance Code. Provides that any individual or
group policy of accident or health insurance that is delivered, extended,
renewed, or modified after January 1, 2027 must provide coverage for at
least one 6-month supply of each of the following for each infant covered
by the policy: an early egg allergen introduction dietary supplement
prescribed by a health care practitioner; and an early peanut allergen
introduction dietary supplement prescribed by a health care practitioner.
Provides that the coverage shall be provided without cost-sharing, except
to the extent the cost-sharing limitation would cause a catastrophic plan
to fail to be treated as a catastrophic plan under the Patient Protection
and Affordable Care Act or would keep a high-deductible health plan from
being treated as a high-deductible health plan or to the extent the
cost-sharing limitation would disqualify the plan from a health savings
account. Amends the State Employees Group Insurance Act of 1971, the
Counties Code, the Illinois Municipal Code, the School Code, the Health
Maintenance Organization Act, the Voluntary Health Services Plans Act, and
the Medical Assistance Article of the Illinois Public Aid Code to require
that coverage. Effective immediately.
LRB104 21204 BAB 35710 b

A BILL FOR

SB4182
LRB104 21204 BAB 35710 b
1

AN ACT concerning regulation.

2

Be it enacted by the People of the State of Illinois,
3
represented in the General Assembly:

4

Section 5.
The State Employees Group Insurance Act of 1971
5
is amended by changing Section 6.11 as follows:

6

(5 ILCS 375/6.11)
7

(Text of Section before amendment by P.A. 104-1
)
8

Sec. 6.11.
Required health benefits; Illinois Insurance
9
Code requirements.
The program of health benefits shall
10
provide the post-mastectomy care benefits required to be
11
covered by a policy of accident and health insurance under
12
Section 356t of the Illinois Insurance Code. The program of
13
health benefits shall provide the coverage required under
14
Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10,
15
356w, 356x, 356z.2, 356z.4, 356z.4a, 356z.5, 356z.6, 356z.8,
16
356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15,
17
356z.17, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
18
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
19
356z.51, 356z.53, 356z.54, 356z.55, 356z.56, 356z.57, 356z.59,
20
356z.60, 356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70,
21
356z.71, 356z.74, 356z.76,
and
356z.77,
and
356z.80
, 356z.81,
22
356z.82, 356z.83, 356z.84, 356z.85, and 356z.88
of the
23
Illinois Insurance Code. The program of health benefits must

SB4182
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LRB104 21204 BAB 35710 b
1
comply with Sections 155.22a, 155.37, 355b, 356z.19, 370c, and
2
370c.1 and Article XXXIIB of the Illinois Insurance Code. The
3
program of health benefits shall provide the coverage required
4
under Section 356m of the Illinois Insurance Code and, for the
5
employees of the State Employee Group Insurance Program only,
6
the coverage as also provided in Section 6.11B of this Act. The
7
Department of Insurance shall enforce the requirements of this
8
Section with respect to Sections 370c and 370c.1 and Article
9
XXXIIB of the Illinois Insurance Code; all other requirements
10
of this Section shall be enforced by the Department of Central
11
Management Services.
12

Rulemaking authority to implement Public Act 95-1045, if
13
any, is conditioned on the rules being adopted in accordance
14
with all provisions of the Illinois Administrative Procedure
15
Act and all rules and procedures of the Joint Committee on
16
Administrative Rules; any purported rule not so adopted, for
17
whatever reason, is unauthorized.
18
(Source: P.A. 103-8, eff. 1-1-24; 103-84, eff. 1-1-24; 103-91,
19
eff. 1-1-24; 103-420, eff. 1-1-24; 103-445, eff. 1-1-24;
20
103-535, eff. 8-11-23; 103-551, eff. 8-11-23; 103-605, eff.
21
7-1-24; 103-718, eff. 7-19-24; 103-751, eff. 8-2-24; 103-870,
22
eff. 1-1-25; 103-914, eff. 1-1-25; 103-918, eff. 1-1-25;
23
103-951, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-27, eff.
24
1-1-26, 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
25
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
26
eff. 1-1-26; 104-417, eff. 8-15-25; revised 11-19-25.)

SB4182
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LRB104 21204 BAB 35710 b
1

(Text of Section after amendment by P.A. 104-1
)
2

Sec. 6.11.
Required health benefits; Illinois Insurance
3
Code requirements.
The program of health benefits shall
4
provide the post-mastectomy care benefits required to be
5
covered by a policy of accident and health insurance under
6
Section 356t of the Illinois Insurance Code. The program of
7
health benefits shall provide the coverage required under
8
Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10,
9
356w, 356x, 356z.2, 356z.4, 356z.4a, 356z.5, 356z.6, 356z.8,
10
356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15,
11
356z.17, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
12
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
13
356z.51, 356z.53, 356z.54, 356z.55, 356z.56, 356z.57, 356z.59,
14
356z.60, 356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70,
15
356z.71, 356z.74, 356z.76,
and
356z.77,
356z.79,

and
356z.80
,
16
356z.81, 356z.82, 356z.83, 356z.84, 356z.85, and 356z.88
of
17
the Illinois Insurance Code. The program of health benefits
18
must comply with Sections 155.22a, 155.37, 355b, 356z.19,
19
370c, and 370c.1 and Article XXXIIB of the Illinois Insurance
20
Code. The program of health benefits shall provide the
21
coverage required under Section 356m of the Illinois Insurance
22
Code and, for the employees of the State Employee Group
23
Insurance Program only, the coverage as also provided in
24
Section 6.11B of this Act. The Department of Insurance shall
25
enforce the requirements of this Section with respect to

SB4182
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LRB104 21204 BAB 35710 b
1
Sections 370c and 370c.1 and Article XXXIIB of the Illinois
2
Insurance Code; all other requirements of this Section shall
3
be enforced by the Department of Central Management Services.
4

Rulemaking authority to implement Public Act 95-1045, if
5
any, is conditioned on the rules being adopted in accordance
6
with all provisions of the Illinois Administrative Procedure
7
Act and all rules and procedures of the Joint Committee on
8
Administrative Rules; any purported rule not so adopted, for
9
whatever reason, is unauthorized.
10
(Source: P.A. 103-8, eff. 1-1-24; 103-84, eff. 1-1-24; 103-91,
11
eff. 1-1-24; 103-420, eff. 1-1-24; 103-445, eff. 1-1-24;
12
103-535, eff. 8-11-23; 103-551, eff. 8-11-23; 103-605, eff.
13
7-1-24; 103-718, eff. 7-19-24; 103-751, eff. 8-2-24; 103-870,
14
eff. 1-1-25; 103-914, eff. 1-1-25; 103-918, eff. 1-1-25;
15
103-951, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
16
7-1-27; 104-27, eff. 1-1-26, 104-42, eff. 8-1-25; 104-68, eff.
17
1-1-26; 104-73, eff. 1-1-26; 104-289, eff. 1-1-26; 104-324,
18
eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff. 8-15-25;
19
revised 11-19-25.)

20

Section 10.
The Counties Code is amended by changing
21
Section 5-1069.3 as follows:

22

(55 ILCS 5/5-1069.3)
23

(Text of Section before amendment by P.A. 104-446
)
24

Sec. 5-1069.3.
Required health benefits.
If a county,

SB4182
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LRB104 21204 BAB 35710 b
1
including a home rule county, is a self-insurer for purposes
2
of providing health insurance coverage for its employees, the
3
coverage shall include coverage for the post-mastectomy care
4
benefits required to be covered by a policy of accident and
5
health insurance under Section 356t and the coverage required
6
under Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u,
7
356u.10, 356w, 356x, 356z.4, 356z.4a, 356z.6, 356z.8, 356z.9,
8
356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.22,
9
356z.25, 356z.26, 356z.29, 356z.30, 356z.32, 356z.33, 356z.36,
10
356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 356z.48, 356z.51,
11
356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60, 356z.61,
12
356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71, 356z.74,
13
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83,
14
356z.84, 356z.85, and 356z.88
of the Illinois Insurance Code.
15
The coverage shall comply with Sections 155.22a, 355b,
16
356z.19, and 370c of the Illinois Insurance Code. The
17
Department of Insurance shall enforce the requirements of this
18
Section. The requirement that health benefits be covered as
19
provided in this Section is an exclusive power and function of
20
the State and is a denial and limitation under Article VII,
21
Section 6, subsection (h) of the Illinois Constitution. A home
22
rule county to which this Section applies must comply with
23
every provision of this Section.
24

Rulemaking authority to implement Public Act 95-1045, if
25
any, is conditioned on the rules being adopted in accordance
26
with all provisions of the Illinois Administrative Procedure

SB4182
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LRB104 21204 BAB 35710 b
1
Act and all rules and procedures of the Joint Committee on
2
Administrative Rules; any purported rule not so adopted, for
3
whatever reason, is unauthorized.
4
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
5
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
6
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
7
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
8
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
9
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
10
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
11
eff. 1-1-26; 104-417, eff. 8-15-25; revised 1-7-26.)

12

(Text of Section after amendment by P.A. 104-446
)
13

Sec. 5-1069.3.
Required health benefits.
If a county,
14
including a home rule county, is a self-insurer for purposes
15
of providing health insurance coverage for its employees, the
16
coverage shall include coverage for the post-mastectomy care
17
benefits required to be covered by a policy of accident and
18
health insurance under Section 356t and the coverage required
19
under Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u,
20
356u.10, 356w, 356x, 356z.4, 356z.4a, 356z.6, 356z.8, 356z.9,
21
356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.22,
22
356z.25, 356z.26, 356z.29, 356z.30, 356z.32, 356z.33, 356z.36,
23
356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 356z.48, 356z.51,
24
356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60, 356z.61,
25
356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71, 356z.74,

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LRB104 21204 BAB 35710 b
1
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83,
2
356z.84, 356z.85, and 356z.88
of the Illinois Insurance Code.
3
The coverage shall comply with Sections 155.22a, 355b,
4
356z.19, 370c, and 370c.4 of the Illinois Insurance Code. The
5
Department of Insurance shall enforce the requirements of this
6
Section. The requirement that health benefits be covered as
7
provided in this Section is an exclusive power and function of
8
the State and is a denial and limitation under Article VII,
9
Section 6, subsection (h) of the Illinois Constitution. A home
10
rule county to which this Section applies must comply with
11
every provision of this Section.
12

Rulemaking authority to implement Public Act 95-1045, if
13
any, is conditioned on the rules being adopted in accordance
14
with all provisions of the Illinois Administrative Procedure
15
Act and all rules and procedures of the Joint Committee on
16
Administrative Rules; any purported rule not so adopted, for
17
whatever reason, is unauthorized.
18
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
19
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
20
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
21
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
22
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
23
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
24
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
25
eff. 1-1-26; 104-417, eff. 8-15-25; 104-446, eff. 6-1-26;
26
revised 1-7-26.)

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LRB104 21204 BAB 35710 b
1

Section 15.
The Illinois Municipal Code is amended by
2
changing Section 10-4-2.3 as follows:

3

(65 ILCS 5/10-4-2.3)
4

(Text of Section before amendment by P.A. 104-446
)
5

Sec. 10-4-2.3.
Required health benefits.
If a
6
municipality, including a home rule municipality, is a
7
self-insurer for purposes of providing health insurance
8
coverage for its employees, the coverage shall include
9
coverage for the post-mastectomy care benefits required to be
10
covered by a policy of accident and health insurance under
11
Section 356t and the coverage required under Sections 356g,
12
356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10, 356w, 356x,
13
356z.4, 356z.4a, 356z.6, 356z.8, 356z.9, 356z.10, 356z.11,
14
356z.12, 356z.13, 356z.14, 356z.15, 356z.22, 356z.25, 356z.26,
15
356z.29, 356z.30, 356z.32, 356z.33, 356z.36, 356z.40, 356z.41,
16
356z.45, 356z.46, 356z.47, 356z.48, 356z.51, 356z.53, 356z.54,
17
356z.56, 356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 356z.64,
18
356z.67, 356z.68, 356z.70, 356z.71, 356z.74,
and
356z.77,
19
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83, 356z.84,
20
356z.85, and 356z.88
of the Illinois Insurance Code. The
21
coverage shall comply with Sections 155.22a, 355b, 356z.19,
22
and 370c of the Illinois Insurance Code. The Department of
23
Insurance shall enforce the requirements of this Section. The
24
requirement that health benefits be covered as provided in

SB4182
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LRB104 21204 BAB 35710 b
1
this
Section
is an exclusive power and function of the State
2
and is a denial and limitation under Article VII, Section 6,
3
subsection (h) of the Illinois Constitution. A home rule
4
municipality to which this Section applies must comply with
5
every provision of this Section.
6

Rulemaking authority to implement Public Act 95-1045, if
7
any, is conditioned on the rules being adopted in accordance
8
with all provisions of the Illinois Administrative Procedure
9
Act and all rules and procedures of the Joint Committee on
10
Administrative Rules; any purported rule not so adopted, for
11
whatever reason, is unauthorized.
12
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
13
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
14
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
15
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
16
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
17
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
18
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
19
eff. 1-1-26; 104-417, eff. 8-15-25; revised 1-8-26.)

20

(Text of Section after amendment by P.A. 104-446
)
21

Sec. 10-4-2.3.
Required health benefits.
If a
22
municipality, including a home rule municipality, is a
23
self-insurer for purposes of providing health insurance
24
coverage for its employees, the coverage shall include
25
coverage for the post-mastectomy care benefits required to be

SB4182
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LRB104 21204 BAB 35710 b
1
covered by a policy of accident and health insurance under
2
Section 356t and the coverage required under Sections 356g,
3
356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10, 356w, 356x,
4
356z.4, 356z.4a, 356z.6, 356z.8, 356z.9, 356z.10, 356z.11,
5
356z.12, 356z.13, 356z.14, 356z.15, 356z.22, 356z.25, 356z.26,
6
356z.29, 356z.30, 356z.32, 356z.33, 356z.36, 356z.40, 356z.41,
7
356z.45, 356z.46, 356z.47, 356z.48, 356z.51, 356z.53, 356z.54,
8
356z.56, 356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 356z.64,
9
356z.67, 356z.68, 356z.70, 356z.71, 356z.74,
and
356z.77,
10
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83, 356z.84,
11
356z.85, and 356z.88
of the Illinois Insurance Code. The
12
coverage shall comply with Sections 155.22a, 355b, 356z.19,
13
370c, and 370c.4 of the Illinois Insurance Code. The
14
Department of Insurance shall enforce the requirements of this
15
Section. The requirement that health benefits be covered as
16
provided in this
Section
is an exclusive power and function of
17
the State and is a denial and limitation under Article VII,
18
Section 6, subsection (h) of the Illinois Constitution. A home
19
rule municipality to which this Section applies must comply
20
with every provision of this Section.
21

Rulemaking authority to implement Public Act 95-1045, if
22
any, is conditioned on the rules being adopted in accordance
23
with all provisions of the Illinois Administrative Procedure
24
Act and all rules and procedures of the Joint Committee on
25
Administrative Rules; any purported rule not so adopted, for
26
whatever reason, is unauthorized.

SB4182
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LRB104 21204 BAB 35710 b
1
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
2
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
3
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
4
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
5
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
6
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
7
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
8
eff. 1-1-26; 104-417, eff. 8-15-25; 104-446, eff. 6-1-26;
9
revised 1-8-26.)

10

Section 20.
The School Code is amended by changing Section
11
10-22.3f as follows:

12

(105 ILCS 5/10-22.3f)
13

(Text of Section before amendment by P.A. 104-446
)
14

Sec. 10-22.3f.
Required health benefits.
Insurance
15
protection and benefits for employees shall provide the
16
post-mastectomy care benefits required to be covered by a
17
policy of accident and health insurance under Section 356t and
18
the coverage required under Sections 356g, 356g.5, 356g.5-1,
19
356m, 356q, 356u, 356u.10, 356w, 356x, 356z.4, 356z.4a,
20
356z.6, 356z.8, 356z.9, 356z.11, 356z.12, 356z.13, 356z.14,
21
356z.15, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
22
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
23
356z.51, 356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60,
24
356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71,

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1
356z.74,
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82,
2
356z.83, 356z.84, 356z.85, and 356z.88
of the Illinois
3
Insurance Code. Insurance policies shall comply with Section
4
356z.19 of the Illinois Insurance Code. The coverage shall
5
comply with Sections 155.22a, 355b, and 370c and Article
6
XXXIIB of the Illinois Insurance Code. The Department of
7
Insurance shall enforce the requirements of this Section.
8

Rulemaking authority to implement Public Act 95-1045, if
9
any, is conditioned on the rules being adopted in accordance
10
with all provisions of the Illinois Administrative Procedure
11
Act and all rules and procedures of the Joint Committee on
12
Administrative Rules; any purported rule not so adopted, for
13
whatever reason, is unauthorized.
14
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
15
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
16
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
17
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
18
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
19
6-9-25; 104-27, eff. 1-1-26; 104-42, eff. 8-1-25; 104-68, eff.
20
1-1-26; 104-73, eff. 1-1-26; 104-289, eff. 1-1-26; 104-324,
21
eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff. 8-15-25;
22
revised 1-8-26.)

23

(Text of Section after amendment by P.A. 104-446
)
24

Sec. 10-22.3f.
Required health benefits.
Insurance
25
protection and benefits for employees shall provide the

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1
post-mastectomy care benefits required to be covered by a
2
policy of accident and health insurance under Section 356t and
3
the coverage required under Sections 356g, 356g.5, 356g.5-1,
4
356m, 356q, 356u, 356u.10, 356w, 356x, 356z.4, 356z.4a,
5
356z.6, 356z.8, 356z.9, 356z.11, 356z.12, 356z.13, 356z.14,
6
356z.15, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
7
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
8
356z.51, 356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60,
9
356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71,
10
356z.74,
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82,
11
356z.83, 356z.84, 356z.85, and 356z.88
of the Illinois
12
Insurance Code. Insurance policies shall comply with Section
13
356z.19 of the Illinois Insurance Code. The coverage shall
14
comply with Sections 155.22a, 355b, 370c, and 370c.4 and
15
Article XXXIIB of the Illinois Insurance Code. The Department
16
of Insurance shall enforce the requirements of this Section.
17

Rulemaking authority to implement Public Act 95-1045, if
18
any, is conditioned on the rules being adopted in accordance
19
with all provisions of the Illinois Administrative Procedure
20
Act and all rules and procedures of the Joint Committee on
21
Administrative Rules; any purported rule not so adopted, for
22
whatever reason, is unauthorized.
23
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
24
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
25
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
26
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;

SB4182
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1
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
2
6-9-25; 104-27, eff. 1-1-26; 104-42, eff. 8-1-25; 104-68, eff.
3
1-1-26; 104-73, eff. 1-1-26; 104-289, eff. 1-1-26; 104-324,
4
eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff. 8-15-25;
5
104-446, eff. 6-1-26; revised 1-8-26.)

6

Section 25.
The Illinois Insurance Code is amended by
7
adding Section 356z.88 as follows:

8

(215 ILCS 5/356z.88 new)
9

Sec. 356z.88.
Coverage for allergenic protein dietary
10
supplements.

11

(a) In this Section:
12

"Dietary supplement" has the meaning given to that term in
13
the Federal Food, Drug, and Cosmetic Act, 21 U.S.C. 321.
14

"Early egg allergen introduction dietary supplement" means
15
a dietary supplement that is prescribed to an infant by a
16
health care practitioner and that contains a concentration of
17
infant-safe, well-cooked egg protein sufficient to reduce the
18
risk of the infant acquiring an allergy to eggs.
19

"Early peanut allergen introduction dietary supplement"
20
means a dietary supplement that is prescribed to an infant by a
21
health care practitioner and that contains a concentration of
22
infant-safe peanut protein sufficient to reduce the risk of
23
the infant acquiring an allergy to peanuts.
24

"Health care practitioner" means a physician licensed to

SB4182
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1
practice medicine in all its branches under the Medical
2
Practice Act of 1987, a physician assistant under the
3
Physician Assistant Practice Act of 1987 with prescriptive
4
authority, or an advanced practice registered nurse with
5
prescriptive authority under Article 65 of the Nurse Practice
6
Act.
7

"Infant" means a child who has not attained the age of one
8
year.
9

(b)(1) Any individual or group policy of accident or
10
health insurance that is delivered, extended, renewed, or
11
modified after January 1, 2027 must provide coverage for at
12
least one 6-month supply of each of the following for each
13
infant covered by the policy:
14

(A) an early egg allergen introduction dietary
15

supplement; and
16

(B) an early peanut allergen introduction dietary
17

supplement.
18

(2) The coverage required under paragraph (1) of this
19
subsection shall be provided without cost sharing.
20

(c)(1) This Section does not apply to accident-only,
21
specified disease, hospital indemnity, Medicare supplement,
22
long-term care, disability income, or other limited benefit
23
health insurance policies.
24

(2) The cost-sharing limitation under paragraph (2) of
25
subsection (b) does not apply to any catastrophic plan to the
26
extent limiting cost sharing would cause the plan to fail to be

SB4182
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LRB104 21204 BAB 35710 b
1
treated as a catastrophic plan under subsection (e) of Section
2
1302 of the Patient Protection and Affordable Care Act, 42
3
U.S.C. 18022(e).
4

(3) The cost-sharing limitation provision under paragraph
5
(2) of subsection (b) does not apply to a high-deductible
6
health plan to the extent the cost-sharing limitation would
7
disqualify the plan from being treated as a high-deductible
8
health plan or to the extent it would disqualify the plan from
9
eligibility for a health savings account under Section 223 of
10
the Internal Revenue Code.

11

Section 30.
The Health Maintenance Organization Act is
12
amended by changing Section 5-3 as follows:

13

(215 ILCS 125/5-3)

(from Ch. 111 1/2, par. 1411.2)
14

Sec. 5-3.
Illinois Insurance Code provisions.
15

(a) Health Maintenance Organizations shall be subject to
16
the provisions of Sections 133, 134, 136, 137, 139, 140,
17
141.1, 141.2, 141.3, 143, 143.31, 143c, 147, 148, 149, 151,
18
152, 153, 154, 154.5, 154.6, 154.7, 154.8, 155.04, 155.22a,
19
155.49, 352c, 355.2, 355.3, 355.6, 355.7, 355b, 355c, 356f,
20
356g, 356g.5-1, 356m, 356q, 356u.10, 356v, 356w, 356x, 356z.2,
21
356z.3a, 356z.4, 356z.4a, 356z.5, 356z.6, 356z.8, 356z.9,
22
356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.17,
23
356z.18, 356z.19, 356z.20, 356z.21, 356z.22, 356z.23, 356z.24,
24
356z.25, 356z.26, 356z.28, 356z.29, 356z.30, 356z.31, 356z.32,

SB4182
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1
356z.33, 356z.34, 356z.35, 356z.36, 356z.37, 356z.38, 356z.39,
2
356z.40, 356z.40a, 356z.41, 356z.44, 356z.45, 356z.46,
3
356z.47, 356z.48, 356z.49, 356z.50, 356z.51, 356z.53, 356z.54,
4
356z.55, 356z.56, 356z.57, 356z.58, 356z.59, 356z.60, 356z.61,
5
356z.62, 356z.63, 356z.64, 356z.65, 356z.66, 356z.67, 356z.68,
6
356z.69, 356z.70, 356z.71, 356z.72, 356z.73, 356z.74, 356z.75,
7
356z.76, 356z.77, 356z.78,
356z.79,
356z.80,
356z.81, 356z.82,
8
356z.83, 356z.84, 356z.85, 356z.88,
364, 364.01, 364.3, 367.2,
9
367.2-5, 367i, 368a, 368b, 368c, 368d, 368e, 370a, 370c,
10
370c.1, 401, 401.1, 402, 403, 403A, 408, 408.2, 409, 412, 444,
11
and 444.1, paragraph (c) of subsection (2) of Section 367, and
12
Articles IIA, VIII 1/2, XII, XII 1/2, XIII, XIII 1/2, XXV,
13
XXVI, and XXXIIB of the Illinois Insurance Code.
14

(b) For purposes of the Illinois Insurance Code, except
15
for Sections 444 and 444.1 and Articles XIII and XIII 1/2,
16
Health Maintenance Organizations in the following categories
17
are deemed to be "domestic companies":
18

(1) a corporation authorized under the Dental Service
19

Plan Act or the Voluntary Health Services Plans Act;
20

(2) a corporation organized under the laws of this
21

State; or
22

(3) a corporation organized under the laws of another
23

state, 30% or more of the enrollees of which are residents
24

of this State, except a corporation subject to
25

substantially the same requirements in its state of
26

organization as is a "domestic company" under Article VIII

SB4182
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LRB104 21204 BAB 35710 b
1

1/2 of the Illinois Insurance Code.
2

(c) In considering the merger, consolidation, or other
3
acquisition of control of a Health Maintenance Organization
4
pursuant to Article VIII 1/2 of the Illinois Insurance Code,
5

(1) the Director shall give primary consideration to
6

the continuation of benefits to enrollees and the
7

financial conditions of the acquired Health Maintenance
8

Organization after the merger, consolidation, or other
9

acquisition of control takes effect;
10

(2)(i) the criteria specified in subsection (1)(b) of
11

Section 131.8 of the Illinois Insurance Code shall not
12

apply and (ii) the Director, in making his determination
13

with respect to the merger, consolidation, or other
14

acquisition of control, need not take into account the
15

effect on competition of the merger, consolidation, or
16

other acquisition of control;
17

(3) the Director shall have the power to require the
18

following information:
19

(A) certification by an independent actuary of the
20

adequacy of the reserves of the Health Maintenance
21

Organization sought to be acquired;
22

(B) pro forma financial statements reflecting the
23

combined balance sheets of the acquiring company and
24

the Health Maintenance Organization sought to be
25

acquired as of the end of the preceding year and as of
26

a date 90 days prior to the acquisition, as well as pro

SB4182
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LRB104 21204 BAB 35710 b
1

forma financial statements reflecting projected
2

combined operation for a period of 2 years;
3

(C) a pro forma business plan detailing an
4

acquiring party's plans with respect to the operation
5

of the Health Maintenance Organization sought to be
6

acquired for a period of not less than 3 years; and
7

(D) such other information as the Director shall
8

require.
9

(d) The provisions of Article VIII 1/2 of the Illinois
10
Insurance Code and this Section 5-3 shall apply to the sale by
11
any health maintenance organization of greater than 10% of its
12
enrollee population (including, without limitation, the health
13
maintenance organization's right, title, and interest in and
14
to its health care certificates).
15

(e) In considering any management contract or service
16
agreement subject to Section 141.1 of the Illinois Insurance
17
Code, the Director (i) shall, in addition to the criteria
18
specified in Section 141.2 of the Illinois Insurance Code,
19
take into account the effect of the management contract or
20
service agreement on the continuation of benefits to enrollees
21
and the financial condition of the health maintenance
22
organization to be managed or serviced, and (ii) need not take
23
into account the effect of the management contract or service
24
agreement on competition.
25

(f) Except for small employer groups as defined in the
26
Small Employer Rating, Renewability and Portability Health

SB4182
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LRB104 21204 BAB 35710 b
1
Insurance Act and except for medicare supplement policies as
2
defined in Section 363 of the Illinois Insurance Code, a
3
Health Maintenance Organization may by contract agree with a
4
group or other enrollment unit to effect refunds or charge
5
additional premiums under the following terms and conditions:
6

(i) the amount of, and other terms and conditions with
7

respect to, the refund or additional premium are set forth
8

in the group or enrollment unit contract agreed in advance
9

of the period for which a refund is to be paid or
10

additional premium is to be charged (which period shall
11

not be less than one year); and
12

(ii) the amount of the refund or additional premium
13

shall not exceed 20% of the Health Maintenance
14

Organization's profitable or unprofitable experience with
15

respect to the group or other enrollment unit for the
16

period (and, for purposes of a refund or additional
17

premium, the profitable or unprofitable experience shall
18

be calculated taking into account a pro rata share of the
19

Health Maintenance Organization's administrative and
20

marketing expenses, but shall not include any refund to be
21

made or additional premium to be paid pursuant to this
22

subsection (f)). The Health Maintenance Organization and
23

the group or enrollment unit may agree that the profitable
24

or unprofitable experience may be calculated taking into
25

account the refund period and the immediately preceding 2
26

plan years.

SB4182
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1

The Health Maintenance Organization shall include a
2
statement in the evidence of coverage issued to each enrollee
3
describing the possibility of a refund or additional premium,
4
and upon request of any group or enrollment unit, provide to
5
the group or enrollment unit a description of the method used
6
to calculate (1) the Health Maintenance Organization's
7
profitable experience with respect to the group or enrollment
8
unit and the resulting refund to the group or enrollment unit
9
or (2) the Health Maintenance Organization's unprofitable
10
experience with respect to the group or enrollment unit and
11
the resulting additional premium to be paid by the group or
12
enrollment unit.
13

In no event shall the Illinois Health Maintenance
14
Organization Guaranty Association be liable to pay any
15
contractual obligation of an insolvent organization to pay any
16
refund authorized under this Section.
17

(g) Rulemaking authority to implement Public Act 95-1045,
18
if any, is conditioned on the rules being adopted in
19
accordance with all provisions of the Illinois Administrative
20
Procedure Act and all rules and procedures of the Joint
21
Committee on Administrative Rules; any purported rule not so
22
adopted, for whatever reason, is unauthorized.
23
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
24
103-123, eff. 1-1-24; 103-154, eff. 6-30-23; 103-420, eff.
25
1-1-24; 103-426, eff. 8-4-23; 103-445, eff. 1-1-24; 103-551,
26
eff. 8-11-23; 103-605, eff. 7-1-24; 103-618, eff. 1-1-25;

SB4182
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1
103-649, eff. 1-1-25; 103-656, eff. 1-1-25; 103-700, eff.
2
1-1-25; 103-718, eff. 7-19-24; 103-751, eff. 8-2-24; 103-753,
3
eff. 8-2-24; 103-758, eff. 1-1-25; 103-777, eff. 8-2-24;
4
103-808, eff. 1-1-26; 103-914, eff. 1-1-25; 103-918, eff.
5
1-1-25; 103-1024, eff. 1-1-25; 104-1, eff. 6-9-25; 104-28,
6
eff. 1-1-26; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73,
7
eff. 1-1-26; 104-98, eff. 1-1-26; 104-289, eff. 1-1-26;
8
104-324, eff. 1-1-26; 104-334, eff. 8-15-25; 104-379, eff.
9
1-1-26; 104-417, eff. 8-15-25; revised 11-21-25.)

10

Section 40.
The Voluntary Health Services Plans Act is
11
amended by changing Section 10 as follows:

12

(215 ILCS 165/10)

(from Ch. 32, par. 604)
13

Sec. 10.
Application of Illinois Insurance Code
14
provisions.
Health services plan corporations and all persons
15
interested therein or dealing therewith shall be subject to
16
the provisions of Articles IIA and XII 1/2 and Sections 3.1,
17
133, 136, 139, 140, 143, 143.31, 143c, 149, 155.22a, 155.37,
18
354, 355.2, 355.3, 355.7, 355b, 355d, 356g, 356g.5, 356g.5-1,
19
356m, 356q, 356r, 356t, 356u, 356u.10, 356v, 356w, 356x, 356y,
20
356z.1, 356z.2, 356z.3a, 356z.4, 356z.4a, 356z.5, 356z.6,
21
356z.8, 356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 356z.14,
22
356z.15, 356z.18, 356z.19, 356z.21, 356z.22, 356z.25, 356z.26,
23
356z.29, 356z.30, 356z.32, 356z.32a, 356z.33, 356z.40,
24
356z.41, 356z.46, 356z.47, 356z.51, 356z.53, 356z.54, 356z.56,

SB4182
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1
356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 356z.64, 356z.67,
2
356z.68, 356z.71, 356z.72, 356z.74, 356z.75, 356z.77,
356z.79,

3
356z.80,
356z.81, 356z.83, 356z.84, 356z.85, 356z.88,
364.01,
4
364.3, 367.2, 368a, 370a, 401, 401.1, 402, 403, 403A, 408,
5
408.2, and 412, and paragraphs (7) and (15) of Section 367 of
6
the Illinois Insurance Code.
7

Rulemaking authority to implement Public Act 95-1045, if
8
any, is conditioned on the rules being adopted in accordance
9
with all provisions of the Illinois Administrative Procedure
10
Act and all rules and procedures of the Joint Committee on
11
Administrative Rules; any purported rule not so adopted, for
12
whatever reason, is unauthorized.
13
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
14
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-551, eff.
15
8-11-23; 103-605, eff. 7-1-24; 103-656, eff. 1-1-25; 103-718,
16
eff. 7-19-24; 103-751, eff. 8-2-24; 103-753, eff. 8-2-24;
17
103-758, eff. 1-1-25; 103-832, eff. 1-1-25; 103-914, eff.
18
1-1-25; 103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1,
19
eff. 6-9-25; 104-28, eff. 1-1-26; 104-42, eff. 8-1-25; 104-73,
20
eff. 1-1-26; 104-98, eff. 1-1-26; 104-289, eff. 1-1-26;
21
104-324, eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff.
22
8-15-25; revised 11-21-25.)

23

Section 45.
The Illinois Public Aid Code is amended by
24
changing Section 5-16.8 as follows:

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LRB104 21204 BAB 35710 b
1

(305 ILCS 5/5-16.8)
2

Sec. 5-16.8.
Required health benefits.
The medical
3
assistance program shall (i) provide the post-mastectomy care
4
benefits required to be covered by a policy of accident and
5
health insurance under Section 356t and the coverage required
6
under Sections 356g.5, 356q, 356u, 356w, 356x, 356z.6,
7
356z.26, 356z.29, 356z.32, 356z.33, 356z.34, 356z.35, 356z.46,
8
356z.47, 356z.51, 356z.53, 356z.59, 356z.60, 356z.61, 356z.64,
9
356z.67, 356z.71,
and
356z.75,
and
356z.80
, 356z.84, 356z.85,
10
and 356z.88
of the Illinois Insurance Code, (ii) be subject to
11
the provisions of Sections 356z.19, 356z.44, 356z.49, 364.01,
12
370c, and 370c.1 of the Illinois Insurance Code, and (iii) be
13
subject to the provisions of subsection (d-5) of Section 10 of
14
the Network Adequacy and Transparency Act.
15

The Department, by rule, shall adopt a model similar to
16
the requirements of Section 356z.39 of the Illinois Insurance
17
Code.
18

On and after July 1, 2012, the Department shall reduce any
19
rate of reimbursement for services or other payments or alter
20
any methodologies authorized by this Code to reduce any rate
21
of reimbursement for services or other payments in accordance
22
with Section 5-5e.
23

To ensure full access to the benefits set forth in this
24
Section, on and after January 1, 2016, the Department shall
25
ensure that provider and hospital reimbursement for
26
post-mastectomy care benefits required under this Section are

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LRB104 21204 BAB 35710 b
1
no lower than the Medicare reimbursement rate.
2
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
3
103-420, eff. 1-1-24; 103-605, eff. 7-1-24; 103-703, eff.
4
1-1-25; 103-758, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-73,
5
eff. 1-1-26; 104-324, eff. 1-1-26; 104-379, eff. 1-1-26;
6
104-417, eff. 8-15-25; revised 11-21-25.)

7

Section 95.
No acceleration or delay.
Where this Act makes
8
changes in a statute that is represented in this Act by text
9
that is not yet or no longer in effect (for example, a Section
10
represented by multiple versions), the use of that text does
11
not accelerate or delay the taking effect of (i) the changes
12
made by this Act or (ii) provisions derived from any other
13
Public Act.

14

Section 99.
Effective date.
This Act takes effect upon
15
becoming law.

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